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3 Mark Financial, Inc.
3/9/2016
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Join Jackie Baker from Berkshire Advisor Resource as she Discusses What is Multi-Life or Simplified Disability Income
Webinar March 16, 2016 at 3:00 pm Central
Topics covered include:
- What is Multi-Life and or Simplified Disability
- Who are good prospects?
- Do discounts apply, and if so how much?
- Case Design Tips
- Case Study Examples
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Lincoln
Are Your Clients Concerned About Taxes and Volatility?
If your clients are concerned about the impact of taxes and volatility on their investments, here’s some relief. Consider adding this tax-efficient asset to their financial strategy— Lincoln WealthAdvantage® Indexed UL. It’s life insurance with cash value growth potential that can help your clients protect wealth throughout their investment life cycle. Read more.
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Protective
How to Close the Policy Review Sale
Client needs are constantly changing, and so are their needs for life insurance. That’s why policy reviews can be so powerful. The next time you conduct a policy review, remember to quote Protective® Advantage Choice UL, a competitive GUL solution* that can adapt to meet a variety of situations. See how it can help you win the sale with these sample clients.
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Accordia Life
Protecting Clients Through the Phases of Home Ownership
You can use the Lifetime Builder policy as a way to not only provide death benefit protection to help fulfill a mortgage obligation, but also build cash value for the potential to help pay off the mortgage early, or help fund future home repairs or renovations. Read more.
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Allianz
Frequently Asked Questions - Advanced Markets
When you meet with clients and prospects, it’s usually one-on-one. But even though you’re going solo, you have an experienced team behind you. That’s because our Advanced Markets team will help ensure you have the advanced training and support you need to achieve success. When complex questions arise this year, the Advanced Markets Q&A book (AMK-118-N) is the first place to look for answers. This publication provides pragmatic answers to some of the more common questions the Advanced Markets team receives each day. Read more.
AG 49 Phase 2
These new guidelines will potentially impact how you run FIUL illustrations for your clients. Keep reading to learn more.
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Minnesota Life
Video: An Easy Way to Explain Universal Life Insurance
You understand the benefits of universal life insurance, but do your clients? Share this video to explain what universal life insurance is and how such a policy could benefit your clients. Read more.
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Prudential
Sound Insights from Prudential
Our new Podcast series "Sound Insights" is now available for download. Now you can get on-demand access to Prudential's thought leaders discussing the life insurance industry's most relevant topics and trends. Start listening today! Read more.
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Mutual of Omaha
New IUL is Here
It's full speed ahead with Income Advantage, our new Indexed Universal Life product. Designed for peak performance, Income Advantage can help clients protect their families and businesses while building cash value for future needs and goals. Read more.
Guaranteed Protection Now. Flexibility for the Future.
The Guaranteed Refund Option (GRO) rider included on our GUL and GUL Plus policies can protect your clients now, while providing options for the future. Read more.
Don't Make Your Clients Older Than They Are
See how using 'age last birthday' underwriting on Term Life Answers (TLA) can benefit your clients today. Read more.
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MetLife
Sale of Premier Client Group
As you may know, MetLife and MassMutual have entered into an agreement whereby Mass Mutual will acquire the MetLife Premier Client Group, MetLife Securities, Inc., and related assets.
This transaction will enable MetLife’s U.S. Retail business to sharpen our focus on our core strengths in product manufacturing. By divesting our affiliated distribution channel, MetLife is now even better positioned to focus on our third party distribution relationships. We will be able to prioritize investments in capabilities to help you better serve your clients.
We also continue to work toward the separation of the U.S. Retail business from MetLife, and will provide additional information on the separation as the transaction unfolds. We know you have a number of questions and will do our best to answer them as soon as we can.
In the meantime, we want to thank you for your continued partnership. We value your relationship and look forward to building on it over the coming months.
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Rates
Protective
AIG
North American
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American National
Why Sell American National's Palladium Single Premium Immediate Annuity?
Click here to learn more.
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Nationwide
We are pleased to announce the following enhancements for Nationwide YourLife CareMatters®, our cash indemnity linked benefit long-term care (LTC) coverage:
- Product approved in Florida and available for sale beginning March 14, 2016.
- New Nationwide YourLife CareMatters application submission options for producers beginning March 14, 2016.
Learn More
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North American
NAC IncomeChoice Stacks Up to the Competition
With our recent stacking roll-up credit enhancement, the NAC IncomeChoice can now give you a competitive advantage over a top selling fixed index annuity in the market! Download our newest Competitive Advantage flyer to see the results.
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OneAmerica
Care Solutions Vitual University Webinar Series
Ready to dig into the Care Solutions product suite? We are excited to offer our Care Solutions Vitual University throughout March and April! Click here to learn and register for this series.
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AIG
Need Help Explaining Income Annuity Payment Options?
With nine different payment options to choose from, clients need your help to know which is the right fit for them. How well do you know the options? Keep the "Income Annuity Payment Options" flier handy to refresh your memory.
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Athene
Elite commission special is available until the end of March, details attached.
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Allianz
Annuity News from Allianz Click here
Get to know ApplyNOW from Allianz. A fast and efficient alternative to paper applications.
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ASSET TRANSFER TIPS
For all annuity carriers
Transferring assets, or exchanging money via section 1035 of the tax code, may have tax consequences. Any questions regarding taxation should be referred to a qualified tax professional.
- Call the Financial Institution/Insurance Company to see what they require to transfer the money e. g. some financial institutions, like Fidelity, require a call from the client to release money, others like Northwestern Mutual require their own surrender form to accompany the 1035/transfer form from the company receiving the money.
- Attach a copy of a current policy/ account statement for the funds being transferred to the 1035/transfer document.
- Complete the 1035/transfer form carefully and completely. Be sure all necessary signatures are obtained.
- Send original transfer forms with the application to 3 Mark for processing.
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Annuity Fact Finder
Click here for a great Annuity Fact Finder
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Protective
Updated Underwriting Guidelines
Protective Life Insurance Company is announcing updates to our underwriting guidelines regarding Foreign Travel & Foreign National Guidelines. The new guidelines will be applied to applications received March 1, 2016 and after. Read more.
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Symetra
An Outlet for Your HIV Positive Clients
The changes in the underwriting world continue, as there is now a solution for HIV positive clients from Symetra Financial. Even better: Symetra has clear "rules of engagement" for underwriting these clients, making it easy to determine if there is a "fit" for that case on your desk.
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Mutual of Omaha
Trial Program Modifications
Mutual of Omaha's goal is to provide you with prompt service, competitive quotes and dedicated underwriting support. Due to our great partnerships in 2015, we had a record breaking year and 2016 is off to a fantastic start!
This success has allowed us to look at our processes to determine how to serve you more effectively with both formal and trial applications. Effective February 8, 2016 we will adjust our trial applications to line up with the program we announced last year. The number of trial applications you can send is all up to you and will be dependent upon the amount of formal business your office sends to Mutual of Omaha. Learn more.
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SBLI
SBLI’s Fast Cases/Fast Money Bonus Program could earn agents $500 or more
in American Express gift cards – up to $5,000 total per agent! For every five term or whole life policies submitted through SBLI’s ZipApp™ (Applicint on the 3 Mark website) Learn More
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North American
Effective February 9, 2016, SimpleSubmit e-app is available for Indexed Universal Life products. Learn about some of the benefits of SimpleSubmit by clicking here.
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AIG
Overnight Addresses for Annuity Premium Updated
Lockbox addresses have been revised to accommodate character limitations through certain parcel carriers. Effective February 17, 2016, we implemented new mailing addresses and lockbox information for paperwork with premium (check) and wiring of funds for our suite of fixed, income and index annuities. Read more.
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Forethought
Reminder about investment advice
Click here to read the recent Sales and Marketing Bulletin
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